Citizens Financial Group, Inc. (CFG)

Citizens Financial Group Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	1,975	1,831	1,509	1,608	2,073	2,319
Depreciation & Amortization	468	478	498	478	565	625
Provision for Credit Losses	595	608	687	687	474	-411
Stock-Based Compensation	122	120	97	87	84	59
Net Change in Loans Held-for-Sale	-367	-414	-24	98	1,733	1,085
Other Adjustments	-36	-106	-195	-270	48	-440
Changes in Other Operating Activities	-96	-306	-571	273	-858	-962
Operating Cash Flow	2,661	2,211	2,001	2,961	4,119	2,275
Operating Cash Flow Growth	115.64%	10.50%	-32.42%	-28.11%	81.05%	1949.55%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-145	-326	-230	-102	13	-10
Net Change in Loans Held-for-Investment	-5,117	-4,222	5,602	9,967	-6,257	-6,021
Net Change in Securities and Investments	-845	-898	-2,170	-4,384	-5,141	-2,800
Payments for Business Acquisitions	-	-	-	-	-255	-165
Capital Expenditures	-160	-174	-122	-172	-126	-124
Other Investing Activities	-394	-347	-93	-61	-871	-1,366
Investing Cash Flow	-6,661	-5,967	2,987	5,248	-12,637	-10,486
Net Change in Deposits	6,459	8,537	-2,566	-3,382	6,146	7,197
Short-Term Debt Issued	7	58	-505	502	-95	-154
Net Short-Term Debt Issued (Repaid)	7	58	-505	502	-95	-154
Long-Term Debt Issued	9,648	8,534	13,185	25,983	24,617	-
Long-Term Debt Repaid	-9,687	-9,744	-14,286	-28,418	-19,691	-1,352
Net Long-Term Debt Issued (Repaid)	-39	-1,210	-1,101	-2,435	4,926	-1,352
Repurchase of Common Stock	-700	-600	-1,050	-906	-153	-295
Net Common Stock Issued (Repurchased)	-700	-600	-1,050	-906	-153	-295
Issuance of Preferred Stock	393	393	392	-	-	296
Repurchase of Preferred Stock	-400	-400	-300	-	-	-250
Net Preferred Stock Issued (Repurchased)	-7	-7	92	-	-	46
Common Dividends Paid	-767	-755	-769	-808	-779	-670
Preferred Share Dividends Paid	-137	-133	-134	-120	-113	-113
Other Financing Activities	-27	-8	18	21	-25	-23
Financing Cash Flow	4,789	5,882	-6,015	-7,128	9,907	4,636
Net Cash Flow	789	2,126	-1,027	1,081	1,389	-3,575
Free Cash Flow	2,501	2,037	1,879	2,789	3,993	2,151
Free Cash Flow Growth	22.78%	8.41%	-32.63%	-30.15%	85.63%	-
FCF Margin	31.72%	26.67%	26.38%	37.00%	52.91%	30.48%
Free Cash Flow Per Share	5.76	4.66	4.14	5.85	8.36	5.03
Levered Free Cash Flow	2,012	534	-429	137	6,372	239
Unlevered Free Cash Flow	212	-2	-195	579	-419	-461

Updated May 4, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q